When you purchase auto insurance, you’re not only protecting your vehicle - you’re protecting your lifestyle. Preferred Mutual is committed to giving you the best protection you deserve. Preferred Mutual has been a highly recognized and stable regional mutual insurance company for over 110 years.

Coverage Options

Preferred Mutual offers several types of coverage. Knowing the personal auto coverage options available will help you make decisions that are right for you.

Auto Insurance Liability Coverage: Protect yourself and others with Liability Coverage:

• Liability Coverage - Protects you for damages to others if you are at fault in an accident.
• Medical Payments Coverage - Provides payment for your reasonable and necessary medical treatment for bodily injury caused by a covered accident.
• Underinsured/Uninsured Motorist Coverage - Protects you for covered damage caused by drivers with no insurance or those who don’t carry enough insurance.

Auto Insurance Property Coverage: Protect Your Car with Property Coverage:

• Collision Coverage - Pays to repair or replace your insured car after a covered accident.
• Comprehensive Coverage - Pays for covered damages to your insured car, resulting from a peril other than collision, such as theft, windstorms, flood or deer hit to name a few.

Additional Auto Insurance Coverage: Protect Your Assets with Additional Coverage:

• Personal Injury - Covers certain reasonable and necessary expenses.
• Towing & Labor.
• Rental Reimbursement.
• Trip Interruption - Provides reimbursement while away from home for expenses incurred should your vehicle breakdown.

Auto Insurance Discounts

Preferred Mutual has many car discounts available that can reduce your car insurance premiums.

Auto Discounts for Responsible/Safe Drivers and Valued Customers:

• Defensive Driver class discount - Any driver who completes an approved defensive driving class if eligible.
• Good student - Young drivers who maintain a B average or better while in high school or college.
• Multiple Policy Discount - You can save on your car insurance if you also insure your homeowners or mobile homeowners policy with us.
• First Accident Forgiveness - The first accident is forgiven once your insurance policy is with us for 3 years.
• Auto Insurance Discounts for Safe Cars.
• Motor Club Discount - available if the named insured is a member of a motor club.

Frequently Asked Questions